Skipify Launches Agentic Commerce Solution to Power Seamless Payments Within AI Experiences
- Tom Stoneberg
- Oct 13
- 3 min read
The rise of large language models (LLMs) and autonomous agents is redefining how consumers discover and purchase products online. The software landscape has been significantly impacted by the introduction and rapid growth of LLMs. A significant hurdle for e-commerce companies integrating new AI features is ensuring a seamless checkout experience within an agent workflow. At Skipify, we are building the connective tissue between merchants, financial institutions and AI systems with our new Skipify Model Context Protocol (MCP) offering. This MCP allows any LLM or agent to safely execute a full checkout experience using Skipify’s identity and payment infrastructure as the secure execution layer.
The Skipify MCP server is a new offering designed to integrate payment processing into conversational commerce experiences. This protocol allows an AI to facilitate a multi-step payment workflow without the need for a developer to build the logic from scratch. The MCP exposes a set of "tools" that manage the end-to-end checkout flow, enabling the AI agent to:
Authenticate shoppers using a one-time password (OTP) and securely recognize them within Skipify's network
Fetch and present payment credentials, whether its a saved card, new cards fetched directly from the shopper’s FI, or bank accounts
Submit the payment for processing via Skipify’s PSP-agnostic gateway, ensuring compliance, security and reporting continuity.
This can be achieved purely via text and voice, or embedded UI components giving developers complete flexibility over experience design while maintaining the highest levels of compliance and consumer protection. This makes consumer checkout fast and secure with minimal merchant integration work.
Key benefits for merchants:
Embedded Payments: Keep shoppers within your native AI experience, eliminating disruptive redirects and generic checkout pages.
High Shopper Recognition: The solution can recognize over 60% of shoppers and securely present their pre-linked payment methods for a faster, no-hassle checkout.
PCI Compliance: The solution is designed to be PCI compliant, ensuring AI companies can offer secure, tokenized payments without increasing their own compliance scope.
Versatile Functionality: Supports payments across various deployment channels, including voice and chat.
Enhanced Security: The protocol is designed with security in mind, leveraging HTTPS encryption, requiring API key authentication, and ensuring no PCI data is exchanged.
PSP Agnostic: Use any psp Skipify supports
👉See our developer docs here: https://docs.skipify.com/docs/skipify-mcp
What’s Next: The Future We’re Building
As MCP adoption expands, we're pushing into two bold frontiers:
1. LLM-visible commerce
Soon merchants using our SDK in their regular checkout will automatically become discoverable by LLMs. Skipify will act as the commerce layer between merchants and AI systems, allowing agents to surface products, confirm availability and execute purchases. All while merchants stay in control of their checkout, PSP and brand experience.
This means Skipify is not just a checkout upgrade, it's also a future-proof investment in visibility across the emerging “AI internet.”
2. Agent Authentication and Risk aware commerce
As agentic commerce scales, financial institutions and merchants must ensure that AI agents act on behalf of real, authenticated shoppers. Skipify is developing a step-up verification framework that lets issuers trigger additional checks when an agent’s behavior appears risky or uncertain.
This will create a new trust layer for agent-initiated transactions, combining identity, behavioral risk signals, and issuer-verified consent ensuring commerce stays both frictionless and fraud-resistant.
The Big Picture
Agentic commerce will not replace existing ecommerce; it will expand it, unlocking new surfaces where shopping can happen: in chat, voice, and autonomous decision flows. But for this future to work, it needs interoperability, identity, and trust.
That’s what Skipify is building:
MCP to connect AI agents to payments, securely and consistently
Identity Checkout to authenticate real shoppers with zero friction
SDK and Components to make any merchant AI-ready with one integration
Together, these form the foundation of an open, merchant-friendly, agentic commerce network, one where shoppers are recognized instantly, merchants stay in control, and agents transact safely on their behalf.
